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Chalcia Rainford
About | Practice Areas
Rainford Law Firm P.C.
4920 N Henry Blvd. Stockbridge, GA 30281» view map
Bankruptcy & Debt Law
Experienced Bankruptcy & Debt Lawyer

Regardless of your situation, Attorney Chalcia Rainford is more than happy to guide you in the direction that will be most beneficial for you!

800-632-9140
1. Chalcia Rainford Stockbridge, GA
  Attorney at Law - GA, 1994
  John Marshall Law School J.D.
2. AboutRainford Law Firm P.C.
  Over 20 years of experience.
3. Practice AreasExpertise
  Bankruptcy & Debt Law
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Karen King

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Bankruptcy & Debt, Bankruptcy, Collection, Credit & Debt, Reorganization

We have helped thousands of clients avoid home foreclosure, car repossession and reduce their other debts. Our experienced team fully understands the... (more)

FREE CONSULTATION

CONTACT

800-892-3680

215 Pryor Street, Atlanta, GA 30303

Christopher Phillips

Workout, Reorganization, Credit & Debt, Commercial Bankruptcy

Status: In Good Standing

CONTACT

Atlanta Financial Center, 3343 Peachtree Road, NE, Atlanta, GA 30326

A. Alexander Teel

Bankruptcy, Commercial Bankruptcy, Consumer Bankruptcy, Credit & Debt

Status: In Good Standing

CONTACT

Atlanta Financial Center, 3343 Peachtree Road, NE, Atlanta, GA 30326

G. Frank Nason

Bankruptcy, Commercial Bankruptcy, Workout, Credit & Debt

Status: In Good Standing

CONTACT

Atlanta Financial Center, 3343 Peachtree Road, NE, Atlanta, GA 30326

D. Dwayne Adams

Premises Liability, Contract, Credit & Debt, Wrongful Death

Status: In Good Standing

FREE CONSULTATION

CONTACT

945 E. Paces Ferry Road N.E., Atlanta, GA 30326

Lawrence A Silverman

Consumer Protection, Consumer Rights, Credit & Debt, Collection

Status: In Good Standing

FREE CONSULTATION

CONTACT

800 Johnson Ferry Rd, Atlanta, GA 30342

Ira L. Rachelson

Construction, Corporate, Banking & Finance, Credit & Debt

Status: In Good Standing

CONTACT

Three Ravinia Drive, Atlanta, GA 30346

Benjamin Rachelson

Construction, Corporate, Business Organization, Credit & Debt

Status: In Good Standing

CONTACT

Three Ravinia Drive, Atlanta, GA 30346

Cha'Ron Ballard

Bankruptcy, Collection, Credit & Debt, Personal Injury, Workers' Compensation

Status: In Good Standing

FREE CONSULTATION

CONTACT

3355 Lenox Road, Atlanta, GA 30326

Matthew Francis Roberts

Banking & Finance, Business, Credit & Debt, Bankruptcy

Status: In Good Standing Licensed: 31 Years

CONTACT

600 Peachtree Street Ne, Atlanta, GA 30308

800-923-0641

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LEGAL TERMS

PRIORITY DEBT

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13... (more...)

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13 bankruptcy. Priority debts include alimony and child support, fees owed to the trustee and the attorney in the bankruptcy case, and wages owed to employees.

TRUTH IN LENDING ACT (TILA)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disc... (more...)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate and the number, amount and due dates of all payments necessary to repay the loan. The TILA requires additional disclosures and places many restrictions on mortgages.

ADMINISTRATIVE EXPENSES

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Admi... (more...)

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Administrative costs are typically 10% of the debtor's total payments under the plan.

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

UNDUE HARDSHIP

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in t... (more...)

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in the future to pay off the loan may be able to show that repayment would be an undue hardship.

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

LIEN

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

CCCS

See Consumer Credit Counseling Service.

SAMPLE LEGAL CASES

Moon v. CSA-Credit Solutions of America

... with CSA-Credit Solutions of America, Inc. (CSA), a Texas corporation, which provided for CSA to assist the Moons in negotiating or adjusting debts they owed to their creditors for less than the amount owed. The Moons sued CSA in Georgia claiming that the debt adjustment ...

Associated Credit Union v. Pinto

... Following the closing, the closing agent tendered payment to Associated Credit Union, the Williamses' lender, in accordance with the payoff statement for the ... that at the time Pinto filed his complaint, he no longer owned the property at issue, and the deed to secure debt at issue ...

Holland v. Holland

... Under these circumstances, it is clear that the line of credit constituted a "debt on the Lake House" within the plain language of the post-nuptial agreement. ... The record also clearly shows that the third line of credit was simply a continuation of that same debt. ...

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Atlanta Credit & Debt Lawyer, Georgia

Sponsored Law Firm

Rainford Law Firm P.C.

SPONSORED LAWYERS

Karen King

Christopher Phillips

A. Alexander Teel

G. Frank Nason

D. Dwayne Adams

Lawrence A Silverman

Ira L. Rachelson

Benjamin Rachelson

Cha'Ron Ballard

Matthew Francis Roberts

TIPS

LEGAL TERMS

PRIORITY DEBT

TRUTH IN LENDING ACT (TILA)

ADMINISTRATIVE EXPENSES

SETOFF

UNDUE HARDSHIP

MEANS TEST

LIEN

GARNISHMENT

CCCS

SAMPLE LEGAL CASES

Moon v. CSA-Credit Solutions of America

Associated Credit Union v. Pinto

Holland v. Holland

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